Du Bois at a glance
- Population: about 122, 390th by size in Nebraska of 527 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 123 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.8% since the 2020 count (US Census Bureau).
- Rank among Nebraska places: 390th of the state's 527 Census places (US Census Bureau).
- Size percentile: ahead of around 26% of Nebraska places in population terms (US Census Bureau).
- Coordinates: it sits at 40.0348, -96.0472 in the US Census Bureau Gazetteer.
- Nearest larger cities: Bern, KS (6 mi); Pawnee City, NE (8 mi); Table Rock, NE (10 mi); Humboldt, NE (11 mi); Dawson, NE (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Oneida, KS (13 mi); Steinauer, NE (15 mi); Salem, NE (17 mi), each a US Census place.
What a personal loan costs in Du Bois
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Nebraska lending rules that apply in Du Bois
The sourced rows below are the rules a licensed lender must follow when lending in Nebraska, and therefore in Du Bois.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Nebraska Department of Banking and Finance (NDBF) Source says: "The Nebraska Department of Banking and Finance is a state agency under the direct supervision of the Governor." | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Delayed deposit services (payday) licensing administration | NDBF publishes delayed deposit services license guidelines, statutes, and a licensed-business search Source says: "Delayed Deposit Services (Payday Lenders)" | Nebraska Department of Banking and Finance as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 16% per annum maximum on agreed interest (unpaid principal balance) Source says: "any rate of interest which may be agreed upon, not exceeding sixteen percent per annum on the unpaid principal balance, shall be valid" | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Payday lending status | Capped at 36% APR (Initiative 428, 2020); violating transactions are void Source says: "A licensee shall not impose an annual percentage rate greater than thirty-six percent in connection with a delayed deposit transaction." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
| Small-loan / installment lender licensing | Delayed Deposit Services Licensing Act (Neb. Rev. Stat. 45-901 to 45-931) Source says: "Sections 45-901 to 45-931 shall be known and may be cited as the Delayed Deposit Services Licensing Act." | Nebraska Legislature (Nebraska Revised Statutes) as of 2026-09-16 |
How to compare offers in Du Bois
Here is a short checklist for comparing personal loans in Du Bois:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Nebraska using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.